A survey of credit card holders revealed that Americans carried an average credit card balance of $3900 in 1995 and $3300 in 1994 (U.S. News & World Report, January 1, 1996). Suppose that these averages are based on random samples of 400 credit card holders in 1995 and 450 credit card holders in 1994 and that the population standard deviations o

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